Home Loans with Jodie

06/24/2026

One of the biggest mistakes buyers make is assuming the lowest rate quote is automatically the best mortgage.

I get why it happens.

The rate is the loudest number.

But buyers still need to compare the full picture: fees, points, lender credits, APR, cash to close, monthly payment, mortgage insurance, escrow, and how long they expect to keep the loan.

A quote should not just look good.

It should make sense.

The right mortgage strategy should be explainable in plain English, with the tradeoffs out in the open.

Message me “QUOTE” if you want help understanding what a mortgage quote is really showing you.



— Jodie Bochat, your local mortgage lender

06/22/2026

When it comes to buying a home, there’s no such thing as a bad question. We’re here to answer them all—so you can move forward with confidence and clarity.

Ask away. Your journey starts here.
https://myoc.io/JodieBochat

NMLS # 1683620

06/21/2026

Celebrating dads, grandpas, stepdads, uncles, mentors, and father-figures—the ones who show up, fix the things, and make home feel solid.
https://myoc.io/JodieBochat

NMLS # 1683620

06/20/2026

5.0 star review received on Experience.com for Jodie Bochat by Jessica W - This deal had a few moving pieces and hurdles. Jodie worked through each issue easily and with lots of knowledge and wisdom.

Click to see all 215 reviews of Jodie Bochat, Homeowners Financial Group USA, LLC

06/19/2026

This week’s national housing data shows a market that is still trying to find its footing. Mortgage rates pulled back modestly from last week’s levels, pending sales improved year over year, and new listings remain slightly above last year. But affordability is still the central challenge, with payments elevated and buyers staying selective. Sellers have more competition than they did a year ago, which makes pricing strategy and buyer readiness especially important right now.
https://myoc.io/JodieBochat

NMLS # 1683620

06/13/2026

This week’s national housing data shows a market that is becoming more active, but still highly rate-sensitive. Inventory and new listings are improving, giving buyers more options, while home prices remain firm in many areas. The key message for clients: opportunity exists, but strategy matters.
https://myoc.io/JodieBochat

NMLS # 1683620

06/11/2026

If you want to buy your first home in the next 60-90 days, the first step is not scrolling listings every night.

It is getting clear on your numbers.

What payment feels comfortable?

How much cash will you actually need?

What does your credit, debt, and income look like to a lender?

Are there any issues you can fix before you find a home you love?

That clarity changes everything.

You stop guessing and start making decisions with a real plan.

Message me “90 DAYS” if you want to talk through your first step.



— Jodie, your go-to mortgage lender

06/09/2026

If you or someone you know are considering purchasing a home, I would love to help you along the way. It should be a fun and stress free experience.

Education is key.
Know what to expect.
Understanding the process.

I take time in the beginning to make sure my clients understand the process so there are not any unexpected surprises.

We take a deep dive through the pre-qualification process.

We talk about the mortgage payment and cash to close.

We discuss the difference in the inspection and appraisals.

We prioritize budgets over limits.

Together.
Together. We make a plan and get started.

If you are ready, DM me today and let’s get started.

06/08/2026

Self-employed buyers usually do not have a simple income story.

You may have strong revenue, smart write-offs, changing deposits, seasonal income, or a business that looks different on paper than it feels in real life.

That does not automatically mean you cannot qualify.

It means your mortgage needs to be reviewed with the right strategy before you apply.

The earlier we look at your income, tax returns, and possible loan options, the fewer surprises you run into later.

Comment or DM me “INFO” and I’ll tell you what a lender may use for your income.



— Jodie, your go-to mortgage broker in NE Georgia

06/05/2026

This week’s national housing data points to a market that is still rate-sensitive, but not frozen. Mortgage rates remain in the mid-6% range, new listings dipped week over week, and active inventory continues to sit above last year’s level. For buyers, the conversation is about affordability and negotiation. For sellers, it is about pricing correctly and understanding that homes are taking longer to move.
https://myoc.io/JodieBochat

NMLS # 1683620